Lightning Loans® - the fastest loans for business
Running a small business isn't easy - every dollar and every minute counts. BluCapital's Lightning Loans make it simple to get fast, flexible funding from $10k to $250k - delivered in just hours. With 15+ years of global experience, we deliver what others don't.
No hassle
Fast and easy online application - it takes just a few minutes and we only need 6 months of business statements.
No waiting
Lightning Loans are one of the fastest in the market. Loans up to $175k take just 2 hrs 9 mins and loans up to $250k 3 hrs 49 mins^.
No hurdles
There's no bias or judgement, no manual forms and no business plan needed for a Lightning Loan.
No surprises
All loans up to $250k are unsecured*, with flexible terms from 6 to 24 months and no hidden catches.
No hoops to jump through - this is what you need
Minimum 1 year in business
Annual turnover $100,000+
No prior or recent bankruptcies
500+ business credit score
Getting a Lightning Loan
- easy as 1, 2, 3
Quick application
It's online and streamlined. We only need basic info plus 6 months of business bank statements. If we have any questions, an Australia-based Loan Specialists will give you a call.
Quick decision
There's nothing faster than a Lightning Loan. The time depends on the amount you need, but we don't muck around. At best, a few seconds. At worst, a few hours.
Quick cash
All approved, you get your funds in your account the same day. Make today count.
Why BluCapital? See for yourself.
Don't just take our word for it - see why businesses love working with BluCapital.
VerifiedCommunication and full trans...
Communication and full transparency was great and the process was so fast.
customer, March 27
VerifiedExcellent service
Excellent service. Very simple process. Highly recommend.
Joe Maisano, March 25
VerifiedJohn Nyburg... Just the best!
John Nyburg has been an absolute blessing. He understood the urgency and had everythin...
Ashik Rahman, March 20
VerifiedGreat experience
The process was seamless and efficient. The team was very helpful.
Jane Smith, April 1
VerifiedFast funding when we needed it most
Got approved within 24 hours and funds in our account the next day. Saved our business during a tough period.
Sophie Mitchell, March 15
VerifiedOutstanding customer support
The team went above and beyond to help us understand our options. Professional and friendly service.
David Thompson, February 28
VerifiedCompetitive rates and quick approval
Shopped around with several lenders and BluCapital offered the best terms. Highly recommended!
Emma Clarke, April 5
VerifiedStraightforward application process
No hidden fees, clear communication, and a genuinely helpful team. Made business financing stress-free.
Michael O'Brien, March 10
VerifiedExceeded our expectations
From initial inquiry to funding was only 1 days. The efficiency and professionalism was remarkable.
Sarah Williams, February 20
VerifiedReliable partner for our business
Been working with BluCapital for over a year now. They truly understand small business needs.
James Anderson, March 30
Rated 4.8 / 5 based on 1,296 reviews. Showing our favorite reviews.
